PSX:ICIBL Income Statement

Financials in millions PKR. Fiscal year is July - June.

Millions PKR. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest and Dividend Income	140.55	137.46	125.63	123.56	117.73	67.08
Total Interest Expense	0.01	-	-	12.03	4.93	9.84
Net Interest Income	140.54	137.46	125.63	111.53	112.8	57.24
Gain on Sale of Investments (Rev)	10.72	34.79	18.62	-3.42	-5.06	2.71
Other Revenue	10.43	1.59	6.16	3.01	-2.45	-4.2
Revenue Before Loan Losses	161.69	173.85	150.42	111.12	105.29	55.76
Provision for Loan Losses	-9.6	-10.05	-29.51	-19.65	-32.73	-39.79
Revenue	171.29	183.9	179.93	130.77	138.02	95.55
Revenue Growth (YoY)	0.33%	2.21%	37.59%	-5.25%	44.45%	364.83%
Cost of Services Provided	31.85	36.61	37.29	34.95	27.28	23.88
Other Operating Expenses	0.01	0.01	0	0.01	0.01	0.01
Total Operating Expenses	36.1	40.86	37.3	39.18	27.33	27.1
Operating Income	135.2	143.04	142.63	91.59	110.69	68.45
Other Non-Operating Income (Expenses)	7.15	5.72	5.16	6.55	5.12	3.97
EBT Excluding Unusual Items	142.34	148.76	147.79	98.14	115.81	72.42
Gain (Loss) on Sale of Investments	-	-	0.69	-	-	-
Other Unusual Items	-	-	-	-	5.73	18.66
Pretax Income	144.31	150.73	148.48	99.23	121.54	91.08
Income Tax Expense	22.64	23.99	23.86	9.47	26.27	7.22
Net Income	121.67	126.74	124.62	89.76	95.27	83.86
Net Income to Common	121.67	126.74	124.62	89.76	95.27	83.86
Net Income Growth	4.57%	1.70%	38.84%	-5.79%	13.61%	81.81%
Shares Outstanding (Basic)	285	285	285	285	285	285
Shares Outstanding (Diluted)	285	285	285	285	285	285
EPS (Basic)	0.43	0.44	0.44	0.32	0.33	0.29
EPS (Diluted)	0.43	0.44	0.44	0.32	0.33	0.29
EPS Growth	4.50%	1.70%	38.84%	-5.79%	13.61%	81.81%
Free Cash Flow	69.53	81.14	104.97	60.05	98.23	158.55
Free Cash Flow Per Share	0.24	0.28	0.37	0.21	0.34	0.56
Operating Margin	78.93%	77.78%	79.27%	70.04%	80.20%	71.64%
Profit Margin	71.03%	68.92%	69.26%	68.64%	69.03%	87.76%
Free Cash Flow Margin	40.59%	44.12%	58.34%	45.92%	71.17%	165.93%
Effective Tax Rate	15.69%	15.91%	16.07%	9.55%	21.61%	7.93%
Revenue as Reported	161.7	173.85	150.42	123.15	110.22	65.6

Source: S&P Global Market Intelligence. Capital Markets template. Financial Sources.